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  <title>EvenSums Blog</title>
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  <description>Occasional posts on money maths and running EvenSums, from David.</description>
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    <title>14 new calculators, including the one I actually wanted</title>
    <link>https://www.evensums.com/blog/14-new-calculators</link>
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    <pubDate>Wed, 19 Aug 2026 09:00:00 GMT</pubDate>
    <description>EvenSums grows to 39 tools: a snowball vs avalanche debt planner, amortization schedules, retirement drawdown, savings rate to FI, and more.</description>
  </item>
  <item>
    <title>Why I built EvenSums</title>
    <link>https://www.evensums.com/blog/why-i-built-evensums</link>
    <guid>https://www.evensums.com/blog/why-i-built-evensums</guid>
    <pubDate>Mon, 27 Jul 2026 09:00:00 GMT</pubDate>
    <description>The launch story: calculators that load instantly, show the formula, and don't phone home.</description>
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  <item>
    <title>The minimum payment trap</title>
    <link>https://www.evensums.com/blog/the-minimum-payment-trap</link>
    <guid>https://www.evensums.com/blog/the-minimum-payment-trap</guid>
    <pubDate>Mon, 27 Jul 2026 09:00:00 GMT</pubDate>
    <description>The one number that genuinely shocked me while building the credit card calculator.</description>
  </item>
  <item>
    <title>Where your emergency fund should live</title>
    <link>https://www.evensums.com/blog/where-to-keep-an-emergency-fund</link>
    <guid>https://www.evensums.com/blog/where-to-keep-an-emergency-fund</guid>
    <pubDate>Mon, 27 Jul 2026 09:00:00 GMT</pubDate>
    <description>Somewhere boring, instant and slightly out of reach. Why that combination matters.</description>
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